Deal with the secured debt, they cay the CCS off a fiver a month once it’s been through the ccj process, at least he’ll have a roof over his head
this is the aim but we can’t get the cc co.s to adjust anything (to be fair their argument is you could be making up the story to stitch someone you don’t like) but it’s a good suggestion – no critical illness insurance
Worth a call at least to the debt help lines for the cards. They may not be able to help, but she may be able to get advise.
the step change site has been useful pointing to advice such as the above (payment scheme to ccs) but they don’t advise on the total default advice
I would be seeing if the neurology ward has a social worker attached
they have a patient advisory service (so a nominated helper beyond the ward) but on financials they point you to cab/lawyers – I will get them to ask though
I believe that to action this would amount to fraud. Probably the last thing needed at this point.
hence the catch-22 situation – that said there are mitigating circumstances I would argue for in court if needed.
thanks all
edit: just seen the stepchange link, yep they’re the best so far, thanks